If you are looking for information concerning obtaining a Debt Consolidation Loan here is a research tool complete with articles that deal with the topic of Debt Consolidation Loans. One of the more interesting and best articles to begin this journey of research is the post titled How to Better Understand Your Debts Actual Costs.
I know this can all be overwhelming and very scary, but it never does you any good to ignore the issue, research it and take the fear out, stop letting it control you.
I hope this helps some one.